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Pnutmine
Level 1
Feb 27, 2020 1:34 AM UTC
Question

Missing auto loan?

I'm about to pay my car off but I see no record of this financing on my report. What do I do?

    1 reply

    Level 15
    Opus 17Level 15
    Level 15
    Feb 28, 2020 4:42 PM UTC

    There's really nothing you can do.  It is unusual for a bank to not list a loan on your credit report, but there is nothing in law that says they must list your loan.  Did you check all 3 credit reports?  Some lenders might not report to all credit bureaus.

     

    If you feel that your credit is harmed by not listing a loan in good standing, I suppose you could contact a loan officer at the lender and ask why.  Maybe they made a mistake when the loan was opened and used a wrong address or SSN so it doesn't show up on your report. 

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